For small service-based business owners finances are often a weight they think they have to carry alone. When it comes to creating a team they often find individual partners who can carry a single specific piece of the burden. Think, an accountant. Or a bookkeeper.

The issue many of these service based businesses owners face is that they don’t know how to manage their growing profit or effectively spend to scale their business without true financial guidance. They believe they have a “team” to support them, but they are seeing scattered pieces of data and engaging in conversations in silos. They aren’t gaining clear and actionable insights on how to leverage their time and energy to grow their business in a savvy way.

People First Finance (PFF) exists to address this exact issue. PFF provides affordable, comprehensive financial services that combine compliance (bookkeeping, tax filing) with financial literacy (education, strategy, and decision-making support).

"We exist to provide affordable, comprehensive financial services to scaling service based business owners that are under a million in revenue."

The Gap Between Financial Literacy and Compliance

While this scattered team-like effort tends to work well for the short term, as the numbers get bigger and your business grows, (or you make a conscious effort to scale) it can start to feel like there’s no true direction.

You might start getting data from your “team” with no clear expectations or true direction. They are offering you an opinion, but without being truly engaged in your business’s growth goals, how can you be certain it’s the right one?

You’re probably starting to encounter questions related to profitability, or expenses and tax liabilities, but the answers you're getting don’t always make sense.

Without a solid financial foundation, you might struggle to:

Understand how hiring or investment decisions impact cash flow and taxes
Navigate credit and debt options
Make strategic financial decisions with confidence

Misunderstanding the story you’re being told about your businesses finances isn’t your fault, but you can own the solution! It’s hard to see how things like cash flow, hiring, tax savings, credit vs debt all work together to impact your personal financial situation - but they all do. And we help to connect those dots.

How People First Finance Bridges the Gap

Most solo financial partners can’t take time to deeply educate and help you understand every financial aspect of your business, which is why we brought together a team of experts to make sure you have a one-stop shop for tailored financial advice.

A Comprehensive Financial Partnership

We combined bookkeeping, tax, and strategic advising into a single retainer-based model, giving you a true financial partner rather than fragmented, transactional services.

By integrating these services, PFF ensures that business owners get both compliance and strategy without exorbitant fees.

Prioritizing Communication and Engagement

Our key differentiator at PFF is our emphasis on clear communication and providing proactive financial insights. Not only do we offer you expert advice, we help you understand how it applies specifically to your business so you can become the financial expert of your business too.

By rebuilding trust in financial professionals, PFF helps clients feel more confident in taking calculated risks.

"In order to grow a business, you need to be confident taking calculated risks”

We’ve made it our mission to help you learn how to use accurate financial data to take more calculated risks (because you have a better understanding of the implications) to grow your business.

Financial Literacy as a Core Offering

We take pride in actively educating business owners through quarterly financial literacy webinars covering essential topics like:

Taxes
Personal investing
Exit planning
Retirement for self-employed individuals

We know how important (and overwhelming) the myriad of financial topics are, and instead of expecting you to find time in your limited schedule to scour the internet for reliable resources and experts, we bring them to you.

Our team is led by diverse financial experts (mostly women and women of color)— and we bring these experts in to help educate on money and business finance.

"We help you tap into a diverse network of financial experts and voices that you wouldn’t otherwise have access to."

Real-World Impact: How PFF Helps Scaling Businesses

Scaling businesses often find themselves facing unique financial challenges, such as managing cash flow when working with larger corporate clients.

For example: Landing your first big corporate client is a massive win! BUT, it might come with billing terms that put you in a cash flow crunch. This looks like you have a hundred thousand dollars coming in, but you don't have that cash today, and you need to do the work today and hire the team today. What do you do?!

Well, we help business owners understand how to manage their cash flow effectively, ensuring you don’t overstate revenue, overpay taxes, or struggle with financial planning.

Our team comes in and demystifies how cash moves through your business, and shows you how to prepare for inevitable ebbs and flows. We give our clients the context they need to preempt one of the number one reasons why most small businesses close their doors - lack of access to cash.

Who is PFF For?

We work with US-based service businesses, under $1M in annual revenue, in a few different capacities based on your current team and your growth goals.

Bookkeeping:

Is for solopreneurs, freelancers, and consultants
Provides high-quality bookkeeping with proactive insights
Monthly reports include guidance on profitability and expenses
Ideal for businesses that don’t yet need full financial advising

Accounting:

Is for service based teams and agencies
Provides high-quality bookkeeping with proactive insights
Monthly reports include guidance on profitability and expenses
Ideal for businesses who want KPI reports and advice

Tax Services:

This is an accounting add-on service, only available for accounting clients
Provides tax guidance
Advice on quarterly estimates
Tax strategy to optimize deductions and long-term success
Yearly income tax filings

Advising:

This is an accounting add-on service, only available for accounting clients
Monthly 1:1s with our expert team
Custom KPIs to help you track success
Ongoing support for questions as they arise

Closing the Financial Gap for Business Owners

The financial gap between compliance and literacy leaves many small business owners feeling lost. People First Finance was built to close this gap by providing both financial services and education, helping business owners make confident, strategic decisions.

If you’re a solopreneur, freelancer, or small business owner looking for financial guidance that goes beyond just bookkeeping and taxes, People First Finance can help you build a financially healthy, scalable business.

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Why Your Financial Partner Should Bridge The Gap Between Literacy and Compliance